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"While trying desperately to locate a dentist to meet my needs to no avail, I called Dentalinsurance.com. To my surprise I was recieved very graciously! It was a pleasure to speak with the agent who was courteous and very informative, as a result I now can make an appointment with the dentist of my choice, I would highly recommend their services, I am now a happy camper."
Livermore, CA
"I would highly recommend this site and service. They were very attentive and professional. They got multiple people involved to help me obtain the coverage I needed. Please tell your friends and family if they are in need of coverage than this is the site to use. Very affordable plans and a wide range to choose from to fit your budget. This is the first site that I can say I give a A+ for organization and professionalism."
Belle Chase, LA
"Thank you for a pleasant experience. I got signed up for Dental Insurance and your Representative made it very easy and explained everything very well. His name was Reuben and his product knowledge helped me to pick the right plan for my needs."
Grantville, GA
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Nationwide Dental Survey Results Published

Over 2,000 adults across the country were asked “Which of the following issues would make you change your dentist?” The results revealed the degree to which patient experience and financial considerations motivate consumers to switch where they receive their dental care. Can you guess the number one reason? Interested in what issues were a bigger concern for women more than men? Read the full results of the survey at “Nationwide Survey Explores What Makes Consumers Change Dentists.”


Why Do You Need Dental Insurance?

Dental insurance is about more than a pretty smile, though that’s certainly important. Quality dental coverage encourages you visit your dentist regularly for routine care and an evaluation of your oral health. Good oral health can help reduce the risk of dental problems in the future that can be painful as well as expensive to treat. It can also help your overall health because problems in your mouth can have consequences for the rest of your body. Given the number of inexpensive dental plans available across the nation, getting coverage makes sense from the perspective of your finances as well as your health and wellness.


How Do Dental Plans Work?

Dental plans have many similarities to traditional health insurance but also some significant differences. Like medical insurance, dental insurance charges a monthly premium for the plan’s benefits. These benefits often come with a minor deductible amount that needs to be paid out-of-pocket before the plan begins sharing in the costs of covered dental procedures. However, some plans have waiting periods that delay the coverage of certain services for a time period after you enroll and your plan becomes active. Often dental services that have waiting periods are more expensive procedures such as crowns or root canals. If you have some dental care you need in the near future and you are shopping for a dental plan, be certain to review the Summary of Benefits to make certain that care is eligible for coverage immediately.

Like most health insurance plans, many dental plans have networks of providers from whom an enrollee can choose to receive care. In DHMO plans, dental care received from an out-of-network dentist is typically not covered. DPPO plans cover out-of-network care but your out-of-pockets are higher than is the case for in-network dentists. Dental discount plans, which are not insurance but provide reduced rates on dental services, only work through in-network dentists. Indemnity dental plans are not restricted to a network. You can see any dentist you wish and a set reimbursement is given to you toward money spent on covered dental services.


Best Practices When Shopping for Dental Insurance

You care about your teeth so you should care about the way you shop for dental coverage. Don’t consider the monthly premium alone. Instead you should examine plans available in your area to see:

For a more comprehensive discussion of dental plan options and considerations, read our Dental Insurance 101 article. It covers all the major plan types, dentist networks, premiums, and out-of-pocket costs.



DENTAL PLANS COMPARISON CHART

Use the chart below to understand the differences among your coverage options so you can make the best choice for your circumstances.

Discount
Plans/Cards
Dental HMO Plans
(DHMO)
Dental PPO Plans
(DPPO)
Indemnity
Plans

Choice of Dentists

Must use an in-network dentist

Yes

Yes

No

No

Must obtain a referral in order to get specialty (e.g. oral surgery) dental care

No

Yes

No

No

Must select a primary care dentist (or dental facility)

No

Yes

No

No

Can use any licensed dentist

No

No

Yes

Yes

Plan Benefits

Dental services may be subject to an annual deductible

No

No

Yes

Yes

Certain dental services may have a waiting period before the plan will share in costs

No

No

Yes

Yes

Minimum waiting periods between routine oral exams & teeth cleanings

No

Yes

Yes

Yes

Total payments by the dental plan for covered dental services has an annual limit

No

No

Yes

Yes

No annual limit on services

Yes

No

No

No

Dental Costs

Out-of-pocket costs for most dental care

Yes

Yes

Yes

Yes

Contracted rates for covered specialty services from participating specialists

Yes

Yes

Yes

No

Payment for services received due up front unless otherwise negotiated with dentist

Yes

No

No

Yes

Some routine care may have no out-of-pocket costs

No

Yes

Yes

No

Claim forms required for out-of-network care

Not applicable

Not applicable

Yes

Yes

Why Buy from Us?

DentalInsurance.com is the pioneer of internet dental insurance shopping. Launched two decades ago, DentalInsurnce.com was the first coast-to-coast marketplace for comparing and buying dental insurance plans online. Our website has remained a leader because we put customers first. We have an A+ rating from the Better Business Bureau as well as a top rating from TrustPilot, a firm that gathers and audits the quality of business reviews from the businesses’ customers.

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Exploring Association Health Plans Alongside Dental Insurance?

Get the answers you need on benefit rules, eligibility, and consumer protections. Visit AssociationHealthPlans.com.

Dentists are altering their practices to help fight Covid-19. Read our tips and best practices for maintaining oral health during these trying times.